Flex - KYC Analyst
Requirements
• You're comfortable with ambiguity, make sound business decisions with incomplete information, and want to help bring order to a function that's still taking shape. • 1–3+ years in KYC, customer due diligence, onboarding, or a related financial crimes role at a financial institution, fintech, or payments company, with exposure to business (KYB) onboarding or BaaS program compliance • Working knowledge of KYC/CDD requirements and BSA/AML obligations • Experience researching entities and individuals from public sources, and screening for adverse media, sanctions, and PEP exposure, using KYC or screening tools (for example, Sardine, Alloy, Unit21, or similar) • Strong written communication: you can explain a risk decision in plain language and summarize complex findings concisely • High attention to detail and real comfort with ambiguous or incomplete information • The ability to manage a queue, juggle multiple priorities, and prioritize well • A growth mindset and a self-driven approach: you don't wait to be handed the next problem, and when you see a clunky step you fix it and write down the better way • CAMS or another AML certification, completed or in progress
Responsibilities
• What you'll own • You'll own KYC decisions at Flex end to end, and over time you'll help shape how the function runs. • The function itself. Own onboarding and review decisions from application through approval, and help set the standard for what a strong KYC file looks like here. • The process. Improve our procedures as you go: flag what's clunky and help document and simplify it. • The queue and its quality. Work the manual-review queue with an eye on both quality and speed, so good customers get onboarded fast and risk gets the scrutiny it deserves. • The feedback loop. Spot patterns across the cases you see, bring them to Risk, Operations, and leadership, and help turn them into better detection and faster reviews. • Make the call on who we onboard • Review new applications that our risk rating sends to manual review, and validate answers against documents and public sources • Gather documentation for every flag, so each high-risk answer is backed by a valid explanation before we onboard the customer • Run KYC and KYB reviews: verify identity documents, and identify beneficial owners and control persons through registry and public records • Work flagged accounts after opening, plus periodic refresh and event-driven reviews, and decide whether to clear, request more information, or escalate • Identify customers who warrant enhanced due diligence (EDD) and escalate them to supervisory review • Investigate and document • Research customers using public sources, including adverse media, sanctions lists, and politically exposed person (PEP) databases • Resolve screening hits by separating true matches from false positives, and document your reasoning • Write case notes so clear and well supported that a reviewer or bank partner can follow your decision without a call • Keep accurate, complete records in our case management system • Support the program • Partner with Support, Risk, and Operations to close open documentation requests and keep onboarding moving • Support quality assurance and file reviews, including for our bank partner program • Find process gaps and patterns that slow reviews or limit detection coverage, and turn them into simpler procedures • Stay current on evolving AML typologies and regulatory guidance, and bring what you learn back to the team • What you'll own • Support the program
Benefits
• Build something generational — Capture the full lifecycle of money for ambitious business owners. • Work on real money, real risk — Payments, credit, and banking at serious scale. • Solve hard problems — AI, underwriting, compliance, and global finance from first principles. • True ownership — Small teams, high trust, real accountability. • Founder-level exposure — Direct access to leadership, customers, and investors. • High bar, high taste — Move fast without cutting corners. • Elite peers — People here are builders, not tourists. • Real upside — Meaningful equity if you help build something big.
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